105 N Bluff St, Albany, IL 61230 Property Records

Whiteside County property record for 105 N Bluff St, Albany, IL 61230

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1898
Lot Size	0.093 acres (4,051 sqft)
Owner	Individual Name on Record
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`0624388003`

Property Details

APN / Parcel Number

Primary APN	`0624388003`
Alternative APN	`114459`

Interior

Building Area	960 sqft Building Perimeter
Basement Area	384 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Lot Area	4,051 sqft (0.093 acres)
Lot Dimensions	115 ft deep x 35 ft wide

Location & Zoning

Account Number	114459
Street Address	105 N BLUFF ST
City	ALBANY
State	IL
Zip	61230-7723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF ALBANY-UPPER E 35' LOT 3 BLK 22 42000X
Legal Block	22
Legal Lot Number	3
Jurisdiction	WHITESIDE IL
Township / Civil Division	ALBANY
Census Block Group	4
Census Block	4047
Census Tract	400

Owner

Source: Whiteside County records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	105 N BLUFF ST, ALBANY, IL 61230-7723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITESIDE IL
Recording Date	Mar 9, 2023
Property Address	105 N BLUFF ST, ALBANY, IL 61230-7723
Document Number	0000001081
Instrument Date	Feb 22, 2023
Instrument	2023-01081
Transaction Type	Transfer
Record Updated	Mar 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 N BLUFF ST, ALBANY, IL 61230-7723

Mortgage

Document Number	0000001082
Date	Mar 9, 2023
Instrument	2023-01082

Lender

Name	COMMUNITY STATE BANK OF ROCK FALLS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Whiteside County assessment roll, as of May 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Albany Village
County	Whiteside County
County Subdivision	Albany Township
Unified School District	River Bend Community Unit District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,407.00	$23,128 Land $1,861 Building $21,267
2024			$69,384 Land $5,583 Building $63,801

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	45 (1986–2023)
Claims Outside the SFHA	8 of 45
Most Recent Claim	May 2023 · other causes
Claims by Event	Severe Storms And Flooding, Apr 2019 · 3 claims Flooding, Apr 2001 · 9 claims Severe Storms & Flooding, Jul 1993 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ALBANY serves 846 people · EPA ID IL1950050
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Sep 2024
Monitoring and Reporting	18 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000

May also be available: Jo-Carroll Energy, Nextlink, Verizon.

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